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Alternative Energy
New Policies Fill Gaps in Green Energy
Ambitious underwriters are learning to make hay while the sun does not shine. And when the wind does not blow, and the rain does not fall on watersheds.
For years, the intermittent nature of nature vexed the green energy industry. Until recently it was addressed as a technical problem of storage and backup generation.
But recently, several insurers developed coverage that offer a financial recovery approach. To be sure, the demand is coming primarily from lenders and capital investors that back green power projects. The effect, if the markets grow, will be to help normalize both power and profitability.
While the mechanisms for the new programs are new, financial weather instruments are not, said Michael J. Perron, senior vice president for Northeast property placement at Willis Towers Watson, and a 2016 Risk & Insurance Power Broker® in the alternative utilities category.
"Wind productivity was down over the last couple of years, and banks are requiring some type of protection from insureds. The industry has these wind curves and they are just not performing."
Generators themselves are not yet asking for coverage, said Perron, "but banks are saying, 'your charts are nice but we need protection.'
"Risk managers at the generators may feel very comfortable with the long-term performance, but banks are asking for more. In some cases the lenders or investors are named as loss payee."
In general, Perron said, the new demands from backers and the coverage being offered to meet them is beneficial in direction, if not always in degree.
"We do push back on occasion," he said.
Using an analogy from earthquake coverage, he noted that "we had one client for which the bank demanded $100 million of protection. We modeled the case and found that the 500-year event would cost $20 million so we suggested buying $35 million in coverage."
Weather Risk Transfer
Underwriter GCube brought its "weather risk transfer mechanism" to North America to respond to "increasing demand from U.S. project-financed wind operators, notably those refinancing or going through acquisitions," the company stated.
"Utilities and independent power producers have directly cited below-par wind resources as a contributing factor to net losses in 2015 and the first quarter of this year," it said.
"This financial underperformance, if left unchecked, threatens to undermine the reputation of wind energy as a low-risk, reliable investment — particularly with the emergence of new investors with less tolerance to lower returns."
"There can be a straight trigger payment, or more complex arrangements more like a cash flow swap or collar."– Bill Hildebrand, executive vice president, GCube
The basic concept, said Bill Hildebrand, executive vice president of GCube Insurance Services, is a contract with wind or hydro power generators. If the wind or rain is insufficient for the generators to provide the power that they have contracted to deliver, then parametric triggers would result in a payment under the contract.
"We are seeing increased requirements from insureds on behalf of their capital providers for revenue certainty," said Hildebrand.
"At the same time, we have had carriers come to us with contracts they would like to distribute. Weather insurance has been around for a long time with the same interest in consistency and smoothing of revenue. What is new is this type of flexible contract that we are bringing on behalf of the capacity behind us."
GCube is using Lloyd's syndicate papers for backing. As a result contracts can be made on different terms.
"There are options," said Hildebrand.
"There can be a straight trigger payment, or more complex arrangements more like a cash flow swap or collar."
The contracts are being offered only to wind and hydro generators, not solar at this point. That is for two reasons: Solar has not seen the dips that the other green energy types have, and because the performance data on solar is not as extensive.
Early in May, a consortium of carriers executed a 10-year proxy revenue swap with a large U.S.-based wind farm. The arrangement allows for hedging wind volume risks for wind farms, to try to ensure stable revenues despite uncertainty of intermittent wind.
Advances in risk modeling and maturity of risk appetite were credited with making the deal more long-term in scope.
The 10-year agreement is designed to secure long-term predictable revenues and mitigate power generation volume uncertainty related to wind resources for the 100-plus MW farm.
But solar is not being neglected. Early in May, specialty insurer Sciemus launched a policy to protect the owners of solar farms against a lack of sunlight.
The policy pays if levels of sunshine fall below an agreed amount, and it is available as a hedging instrument for solar farm operators for up to 10 years.
Other lack of sun insurance schemes are available, but they are tied into property damage programs, experts said. The Sciemus insurance can be purchased as a stand-alone.
The insurance is index-linked and pays a fixed price per unit of lost sunlight at the end of each 12-month period. It is calculated on the sunlight either at the solar farm or at the nearest weather station.
The coverage is available in Europe and North America, and Sciemus plans to roll it out into the Middle East and North Africa later this year.
Cyber Threats
Health, Higher Ed Most Vulnerable to Cyber Attacks
As cyber risk management comes of age, more data and better analysis are leading to new realizations. One is that health care and higher education are the most vulnerable sectors, followed closely by financial services.
Another is that the vast majority of security breaches could be forestalled using simple measures, such as ensuring all updates and patches to software are installed and tested.
However, studies are starting to show that cheap, low-tech email attacks remain stubbornly effective despite expensive, high-tech protections.
All of those ideas were advanced and detailed at a fast-moving panel discussion May 11 in New York, sponsored by brokerage Crystal & Company.
Actuarial data is still thin in cyber, but Christopher Liu, head of cyber risk in the financial institutions group at AIG, said that "institutions in health care and higher education are the most hazardous classes of insureds. That is because they have the most sensitive information and that there is high turnover. Also, they usually do not have big budgets, so security is often not well supported."
Financial institutions, especially asset managers, are the second-most hazardous class, Liu added.
"They have the same attractive information, plus they have money."
Mitigating that, they also tend to have better funded and supported security, and they have heavy government regulation. That both keeps them on their toes, and also means greater external surveillance. Several panel members noted that firms became aware of breaches when regulators noticed unusual activity.
"We find that we deal primarily with three areas," said Austin Berglas, senior managing director at K2 Intelligence.
"Those are: unpatched vulnerabilities in software, misconfiguration of internal systems, and misplaced trust by employees. We get called in to handle a breach, and 99 percent of the time we find the vulnerability is unpatched."
Berglas explained that the software companies race each other to send out new versions that often are not completely functional or secure. So they send out patches. "Windows does it every week on 'patch Tuesday.' But users don't have any regular schedule or system for installing and testing patches. We find unpatched vulnerabilities dating back as far as 1999."
"I have been to meetings of the cyber response team, and everyone in the room is introducing themselves. This is the response team. Everyone in the room has to know everyone in the room." — John F. Mullen, managing partner, Lewis Brisbois Bisgaard & Smith
The challenge of unsecured configurations between systems was dramatically demonstrated with the infamous attack on retailer Target, which came through the air-conditioning vendor. But Berglas emphasized the persistent and pernicious problem of simple phishing.
"It is estimated that 30 percent of individuals within a company will open an email, and 13 percent will click on an attachment, even if they have been warned not to," Berglas warned.
"You spent half a billion dollars on security systems and firewalls, and one click on one phishing email by someone with elevated system privileges, and the bad guys have just defeated your half-billion-dollar defense. Now they are inside, with credentials, and you can't detect them."
The quickest and easiest thing that any company can do, "is to look for unpatched vulnerabilities in public-facing systems," Berglas urged.
On the same theme, John F. Mullen, managing partner of the law firm Lewis Brisbois Bisgaard & Smith, stressed that "security goes way beyond IT.
"This is not just about the tech guys. Cyber security tends to get pushed downhill." And that tends to mean lack of coordination on all fronts.
"I have been to meetings of the cyber response team, and everyone in the room is introducing themselves. This is the response team. Everyone in the room has to know everyone in the room."
Similarly, "insureds have to know the coverage that they have bought. Is there a mandated forensics group? Outside counsel? If so, go meet with them. If you have options, vet them," Mullen exhorted.
"You spent half a billion dollars on security systems and firewalls, and one click on one phishing e-mail by someone with elevated system privileges, and the bad guys have just defeated your half-billion-dollar defense." — Austin Berglas, senior managing director, K2 Intelligence
He expects the cyber insurance business to triple or quadruple in the next five years, in terms of premium spending.
Cycling back to the theme of internal responsibility, Paul Miskovich, senior vice president and global practice leader of cyber and technology errors and omissions coverage at Axis, said that 67 percent of cyber claims presented to his firm involved insider activity of some kind: clicking on a phishing email or failing to install a patch or use a firewall. Further, 25 percent of claims involved third parties such as vendors.
For all the focus on the breach itself, Miskovich added that "regulatory costs can be more than the costs of the breach, especially if you don't have documentation of your security policies and protocols." That includes documentation that the policies are in place and are rehearsed.
Noting previous comments that many losses are traced to breaches that have gone undetected for years, Miskovich said that a new area within cyber insurance is full coverage for prior acts.
Energy Industry
'Among the Largest Catastrophe Losses in Canadian History'
About 2,400 structures in and around Fort McMurray lie in ruins in the middle of 700 charred square miles of northern Alberta.
The oil sands boom town, once known as "Fort Make Money," is now going to cost money — at least $4 billion (C$5 billion) by early estimates — to rebuild after a monster wildfire swept around and through parts of town the first week of May.
The immediate insurance question is not the property loss in town; that is quite straightforward.
Rather, it is the length of the oil sands outage and two stages of business-interruption (BI) claims: immediate losses for the time out of operation, as well as possible contingent losses for refiners that rely on the oil sands for raw materials.
At the peak of the fire, 1 million barrels a day of oil sands production was taken out of service — about 40 percent of total output, and roughly one-quarter of all Canadian oil production.
Some operations have already airlifted in skeleton crews to begin safety checks in advance of resuming operations, but the bulk of production is expected to remain out of service for several weeks, if not a month or more.
The wildfires "will be a huge BI event," said Paul Cutbush, senior vice president catastrophe management at Aon Benfield Analytics in Toronto.
"Even with no damage we will have to see when workers are allowed to come back — and then how many and how soon. A lot of these facilities have been used for evacuations, a goodwill gesture. A great deal will depend on manuscript wording for each policy."
Waiting periods for BI claims will likely not be as large a factor as in past large losses, Cutbush noted. "It used to be that 90 days was standard. Today, that is shorter, 60 days, maybe even just 30."
It may take longer than that to get claims sorted, because the size and scope of the fire has presented so many new unknowns.
"The biggest thing is getting people back to work," said Cutbush, but they need places to live and shop.
"It is our understanding that a lot of the housing in the area was rental or temporary housing for oil sands and services workers." That means not just property claims for the assets themselves, but lost value from their revenue.
Utilities and infrastructure also have to be inspected, repaired or replaced.
"There is also the issue of ash-contaminated water," said Cutbush. "The Athabasca River is used for injection water, but ash can make the water caustic and not suitable for use without treatment."
The fires continue to rage uncontrolled, but are now in the deep boreal forest south and east of town. The evacuation order and state of emergency for the area remained in effect as of May 11.
During a press tour through the town, Alberta Premier Rachel Notley gave the first official estimate of initial recovery time: "First responders and repair crews have weeks of work ahead of them to make the city safe. I'm advised that we will be able to provide a schedule for return within two weeks."
Official numbers said 88,000 people, were evacuated, but a local source puts the number closer to 100,000, counting transient workers.
Remarkably, there has been no loss of life, not even any major injuries. And the vast oil sands mining and processing operations that sprawl for more than 100 miles in every direction around Fort McMurray were undamaged.
On May 10, Notley met with industry officials and was told the operations were secure.
"The magnitude of the current destruction suggest that the new fires will generate among the largest catastrophe losses in Canadian history, affecting both personal and commercial property writers," according to an initial evaluation by the ratings agency Moody's.
"I suspect some of the [energy companies' insurance] coverage may be on the lean side." — Jason Mercer, assistant vice president and analyst, Moody's
"Early estimates of the wildfires peg the cost of damages rising to C$5 billion or around 1.5 percent of Alberta's GDP — an estimate that could increase," Moody's reported.
"The Fort McMurray fires destroyed four times as many buildings as the Slave Lake [Alberta] wildfire of May 2011, which cost Canadian property and casualty insurers more than C$700 million in pretax losses."
"Home and auto insurance coverage in Canada is substantially similar to that in the U.S.," said Jason Mercer, assistant vice president and analyst at Moody's in Toronto, who co-wrote the report.
"The only notable difference is that some lines, such as workers' compensation, are typically government issued."
BI is also similar in the two countries, Mercer noted. "There is named peril and all-risk. Both are available, but my sense is that all-risk is probably more difficult to get and more expensive, if only because of the higher number and cost of major losses in the province.
"More than half of the major losses in recent years in Canada have been in Alberta."
Mercer also emphasized that the price of oil has been depressed for almost two years, leading some operators to tighten their belts – including insurance protection.
"I suspect some of the coverage may be on the lean side," he said.
It will also depend whether companies have limited BI coverage — which would cover losses beginning with the evacuation and ending with the "all clear," or extended coverage, which would "could run until there is a return to the profit level pre-event."


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- Miss Florida 2017 stripped of crown days after win - US Weekly
- Lindsay Lohan steps out amid relationship drama - TMZ
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21 May 2014 at 9:53 PM
Jennifer Lopez Performs 'First Love' on 'American Idol' Finale!
About this photo set: Jennifer Lopez shows a ton of skin in a sexy blue outfit while performing on stage during the season thirteen finale of American Idol on Wednesday (May 21) at the… Read More Here
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| By Katy Abby
Every few years, a product comes along that is inexplicably popular. Despite tedious advertising, a questionable concept, and mediocre value, consumers hand over their hard-earned dollars with reckless abandon to own the next hot-ticket item. One such phenomenon is the subject of this hilarious infomercial parody.
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Before you start thinking about snuggling up on the couch with one of these plush pieces, listen carefully to what the narrator's saying. Your self-esteem — and social life — may depend on it! (Warning: the video contains strong language.) Play the video
Giving up on society? Get one of these!
By Katy Abby on February 5, 2009 in Wacky Web Week
= Paid content
All Windows Secrets articles posted on 2009-02-05:
- Top Story Watch a live video, share your PC with CNN
- Known Issues If NoAutoRun.reg doesn't work, you may need space
- Wacky Web Week Giving up on society? Get one of these!
- LangaList Plus Make sure your PC's BIOS supports USB
- Woody's Windows Microsoft claims Windows 7 UAC flaw is by design
- Patch Watch Conficker/Downadup woes may not be over
- Show all articles on a single page


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Now that the antics in Los Angeles are over for awhile -- no, not the All-Star game, the annual Shaq, Kobe and Phil whodonewhattowho thing -- we can concentrate on the first day of the rest of your NBA season.
For those racing enthusiasts, yes, here they come thundering down the stretch! Well, actually, limping and aching in a lot of places with Chris Webber and Wally Szczerbiak set to return from season-long injuries, Allan Houston stepping back into it and Shaquille O'Neal hoping not to have any more of those Walter Brennan moments. After all, he is supposed to be the true McCoy.
This is supposed to be the get-serious time in the NBA. No more midseason break to look toward, no more All-Star snubs to consider, no more walls to hit. It's all about statement games and playoff previews. Not in our house, and all that Jazz. And even the Orlando Magic are saying, "Well, we're just 10 games out of the last playoff spot, and if ..." Yes, there still are a lot of big ifs.
So as we consider the last two months of the regular season, there are some questions to ponder and story lines to consider, like the:
Lakers. Yes, them again. Why not start there, which is where we started the season with the Lakers stopping to pick up their championship trophies on the way to their Hall of Fame inductions. But a funny thing happened on the way to immortality. And it had less to do with immorality, or accusations of such. Kobe Bryant's legal issues are simmering on that back burner while the heat is turned up again on the Big Three. Kobe says he wants to stay, but he is going to opt out of his contract. Understand? Shaq has also been out of the lineup quite a bit with a pain in his foot and his negotiations for a contract extension. Phil Jackson's negotiations are off and everyone is wondering what this all means. You figure Karl Malone is thinking about that as well wherever he is. Yes, the grass only looks greener on the other side of the fence. And Gary Payton is talking to everyone and not much of it makes sense, as always. Can they put it together? Can they get together? Can they all just get along? If Malone comes back healthy in March, they can make a run. If he doesn't, there could be a run on Kings, Timberwolves and Spurs championship predictions.
Kings. Yes, those bridesmaids again. And, no, that's not a crack about being soft and feminine, but they could take it that way. They've been the best team in the league this season without their best player, Webber. He's due back from injury and will be suspended eight games by the NBA for lying. If it weren't in court, they might have to suspend the whole NBA. It's an amazing question, but can the Kings adjust to having their best player back? Webber becomes the focus of the offense again, but he is a great passer and figures to take some time to get in shape and get his timing back. But they still have to prove one thing. Can they win the big game? It's haunted them all this time.
Timberwolves. Again, can they survive talent being added to their team? It once was the Kevin and Wally Show, at least after Stephon left. Now it's the latest Big Three of KG, Sam and Spree. They're due to get shooter Szczerbiak back this week to join a threesome that seems to play off one another well, share the ball and defend. These are not generally known to be traits in Wally's world. But he can shoot it with anyone. Would Spree go back to the three where he didn't like playing in New York? They've had the perfect role players in Trenton Hassell and Fred Hoiberg, guys who don't need many shots and will set those screens. And it's not like KG pines for Wally. Who they really want back is center Michael Olowokandi, or someone to stand in front of Shaq. But the Kandi man often can't. He doesn't seem to like to play much and you get the feeling their perimeter-oriented game may not quite be suited for the playoffs.
Spurs. Kevin Garnett's team is ahead this time, but Tim Duncan is coming on with a heck of a lot less help. The guy is the true rock of the NBA. We just wish he didn't have the personality of one. He just needs that one more star to become a dynasty. Maybe Kobe after the season. Too bad they couldn't get Jason Kidd. Rasho Nesterovic is never going to be that second pillar as David Robinson was, and you never know what you're going to get from Manu Ginobili and Tony Parker. They lost a lot of veteran experience from last season, and it may show in the playoffs.
Rockets. It's Shaq-Kobe-Phil lite there with Yao, Steve and Jeff. Actually, there's no problem with Yao and he may be one of the best things to hit the NBA since Christopher and his dancing Motown puppets. It's those smurfs, Francis and Van Gundy. Coach Van Gundy wants Steve Francis to be Charlie Ward. Francis is one of the great individual talents in the NBA. He's not going for the Heisman. It's one of the great tests of will and strength, Van Gundy trying to turn Francis into a feeder point guard and Francis trying to do so with the talent of Allen Iverson. If they ever get it together and could pick up a rebounding four, they could crack the Fab Four in the West.
Mavericks. Who isn't tired of Mark Cuban by now? No, we don't see the hands of many Mavericks. Cuban's one-man egofest is beginning to wear thin on even his organization. Coach Don Nelson would look exasperated if he didn't always, and it's pretty clear to the players now that it's not worth the fluffy towels and extra video games. Mad scientist Cuban keeps playing fantasy ball with the Mavs and who knows who'll be gone by the end of this week. Antawn Jamison? Antoine Walker? Michael Finley? They've got a bunch of talent and are entertaining, but it's hard to see where that goes in the playoffs. Would they even have been out of the second round last season if Webber weren't hurt?
Little Conference That Can't. Yes, the East. They think they can, they think they can, especially the Pacers. Now if they can just get by that first round. The Pacers look like easily the best team in the conference. They're more solid on defense and more structured and disciplined under Rick Carlisle. But you get the feeling there are cracks there waiting to spread. Will Al Harrington be happy coming off the bench? Can Jermaine O'Neal continue to carry the load without a supporting center to draw defensive attention. Can they shoot well enough when everyone collapses on them in the playoffs? Do they think of themselves as losers after the eliminations the last two seasons? Their test will be if they get behind in a playoff series.
Nets. They're back! And standing tall. Yes, coach Lawrence Frank is standing. They were the hottest team in the league coming into the All-Star break with Kidd re-energized after his, err, the team's, firing of Byron Scott. But there's still that hole in the middle. Alonzo Mourning left for a new kidney, although no one will be surprised if he tries to return. Dikembe Mutombo was cut loose. They were supposed to compete with the big guys from the West. What, so Aaron Williams is supposed to? Maybe winning the East is enough. They could still use some size.
Knicks. No, they haven't requested a name change to the New York Isiahs yet. But Thomas is changing just about everything. It's a new team, but how much better is the question. Houston's knees are worse than they're letting on and Tim Thomas never has been much of a player for the big stage. Stephon Marbury has been just good enough to lose everywhere else. Can he change that back home again? Their owner has been talking championship, and why not? They're only four games under .500.
Pistons. You knew Larry Brown wasn't going to like that 3-point shooting point guard. He's been griping some of late about Chauncey Billups, who, as their best player last season, was the only one who could make a layup. (Sorry, Ben.) Billups hit big shots all season to save them. But they came stumbling into the break with five straight losses and Brown questioning just who they were after 50 games. They're not about to make any major personnel changes. Yes, it's another Eastern team without a road map.
Hornets. With Jamaal Magloire's impressive All-Star performance, it does appear they have three legitimate All-Stars. In the Eastern Conference, that should mean a dynasty. So what are they doing fighting Milwaukee for fourth? Same old Hornets. There always seems to be something missing there, and no one can seem to find it again. With a healthy Baron Davis this season, Jamal Mashburn returning and Magloire, they should stake a claim to the top of the East. They better do it now because this is their last season there.
Coaches. Who's next? Teams are starting to go around again with Randy Ayers not even making it through one season. Terry Stotts is always a candidate, though he's now coaching in the NBDL. What, that's an NBA roster in Atlanta? Nate McMillan could be a candidate with Seattle sinking. Maybe even Mike D'Antoni with last-place Phoenix. No, both those notions sound ridiculous, but this coaching guillotine is equally absurd.
LeBron's World (and we're just playing in it). So what now? Let's see what he's got. The Cavaliers have no business making the playoffs, but it's not impossible in the East where they are less than three games out of the last spot. The first half was spent settling in and figuring out what to do about Ricky Davis. Now it's LeBron James' team. Is he the real deal?
Sam Smith, who covers the NBA for the Chicago Tribune, is a regular contributor to ESPN.com.


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Focus bikes has re-organized their bike lines to give a clearer understanding of models. The number system for models is gone, replaced by the more descriptive group name.
Hot on the heels of the 650B 47mm Horizon introduced at NAHBS last month in the new Road Plus category, WTB has added to their drop-bar tire lineup.
We spotted Fuji's first ever gravel bike yesterday afternoon at Sea Otter, the new Jari, which comes in three models, the Jari 1.1, 1.3 and 1.5. We took a look at the mid-range Jari 1.3.
Chilly temperatures and the threat of snow refused to relinquish their icy grip on the Mid-Ohio region the night before the 3rd running of the Amish Country Roubaix.
Challenge Tires showed off a number of new offerings today at Sea Otter including all new Team Edition tires, changes to the Baby Limus offering, a new tread pattern, and a prototype tubeless tubular.
Shimano has a new Deore Di2 mountain bike group out offering greater options for drop bar riders as well as improved connectivity for all Di2 groups with Bluetooth capabilities.
Got a little one on a balance bike or 12″ wheel pedal bike ready for his or her first big kid's bike? Marin-based Cleary Bikes should be on your short list.
Blue Competition Bicycles offers a full range of bikes, including their EX cyclocross series, comprised of three carbon models, an aluminum offering and even a kids 'cross bike. We're currently testing the flagship Blue Norcorss Ex Di2 model.
We just received word from our friends at Cyclocross Tokyo that the Official 2016 Cyclocross Tokyo race video is complete. You can watch it here.
Happy racers go faster. Why not take some time and use a different approach, like yoga, to reach your goals, rather than the usual "I must go harder" approach that is so common among bike racers?
Mario Vanacker was on hand for the 114th running of the Hell of the North yesterday and was able to get a few shots of both Lars van der Haar's and Lars Boom's bikes that they rode in the iconic race.
Last week we explored options for 1x riders looking to run lower gears for gravel races. This week we look at options for 2x riders to get down the road less traveled.
Today marked the 114th edition of the Spring Classic Paris-Roubaix.
We are currently riding Felt's flagship F1X for review, a 17-pound race machine with Shimano Dura Ace Di2 and DT Swiss CXR 1300 tubeless carbon wheels.
The Clement BOS tubeless tire is in our hands and should prove a good option for those riding mud, loose surfaces and mixed terrain.
Trek has extended their sponsorship of Sven Nys beyond the retired rider individually and his Telenet-Fidea team to include the forthcoming Sven Nys Cycling Center.
The Cyclocross World Championship silver medalist will start his first Paris-Roubaix this Sunday.
It's spring in Michigan, which means it is time to dust off the 'cross bike, mountain bike, fat bike or gravel rig and head out for some gravel racing and the Lowell 50.
For this week's Throwback Thursday we're going back to the 1998 Elite Men's Cyclocross National Championship race held in Ft. Devens, Massachusetts with a race highlight video.
Rutledge's cyclocross history goes way back. Perhaps most notably, Rutledge was the driving force behind what became the Redline Conquest, arguably the first race-oriented American production cyclocross bike.
It may sound like an April Fools' joke, but OMATA is launching a Kickstarter for a GPS unit with an analog display dubbed the OMATA One.
Part two of our interview with Tod Manning, CEO of North American Cycle Sport, talking about the health of cycling in the US and his organization's efforts to bring more people to organized, sanctioned riding.
While it was 47 miles shorter than Kolo Promotions' HTFU Roubaix in New Waverly, Texas, the week prior, the Castell Grind in Central Texas was not for the faint of heart.
Bike racers. It turns out they like to race bikes. A lot. But for cyclocross racers, 'cross only last a few months of each year, so what are you going to fill the rest of the year with?
Updating your 'cross drivetrain for off-season rides makes sense for the many of us that are in the one-bike-to-rule-them all camp. Short of having separate cyclocross and gravel bikes, drivetrain modification makes sense. But what to do? We take a look here.
Zipp Speed Weaponry has a bevy of new products and some updates to existing models aimed at least in part at the all-road crowd.
It's certainly not a cyclocross race, but it's a monument of cycling and one of two road races many 'cross racers care about. Today was the 100th edition of the Tour of Flanders.
By now you likely know that our Friday news stories were, in keeping with tradition, April Fools' jokes meant to bring a chuckle and maybe cause a few folks to do a double take.
This was our first chance to speak with CEO Tod Manning, the person in charge at NACS, and there was a good amount to discuss.


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Alexandre Rocha
Video Results
Rocha: Future of golf in Brazil has 'taken first step'
Alexandre Rocha explains that golf's return to the Rio 2016 Olympics in Brazil will grow the game. Watch Morning Drive on Golf Channel.
Brazil's Rocha: Olympic test event 'overwhelming'
Alexandre Rocha gives his first impressions of the Rio Olympic Course. Watch Morning Drive on Golf Channel.
Test event players size up Olympic course
Brazilian players react to the Rio Olympic Course where the Rio 2016 Olympics will be played. Watch Morning Drive on Golf Channel.
Gil Hanse on the testing the Rio 2016 Olympics course
Gil Hanse explains what is critical to learn from the test event 2016 Aquece Rio Golf Challenge being held on the Rio 2016 Olympics golf course. Watch Morning Drive on Golf Channel.
Rocha: Olympic Golf Course 'perfect' and 'pristine'
Alexandre Rocha described the beleaguered Olympic Golf Course as "perfect" and "pristine" after playing the first competitive round there Tuesday
Nine-player test event held Tuesday at Olympic site
Brazilian players, five men – Alexandre Rocha , Rafael Becker, Daniel Stapff, Lucas ..... 31pm PST A photo posted by Alexandre Rocha (@alexrochagolf) on Mar 7 ..... 15pm PST A photo posted by Alexandre Rocha (@alexrochagolf) on Mar 7
Nine-player test event at Olympic venue next week
Silva is currently qualified to represent Brazil in the men's competition). Rodrigo Lee, Rafael Barcellos, Alexandre Rocha , Rafael Becker and Daniel Stapff will be joined by Nagl, Victória Lovelady, Candy Hannemann and Luciane Lee for
1,000 days until golf returns to Olympics
54) Bangladesh: Siddikur Rahman (247) Belgium: Nicolas Colsaerts (58) Brazil: Adilson da Silva (253), Alexandre Rocha (402) Canada: Graham DeLaet (32), David Hearn (137) Chile: Felipe Aguilar (156), Mark Tullo (376) China
Room for improvement? Web.com Finals changes
s not fair for him to play solo during the regular season then have a chance to have his number drop down below. Alexandre Rocha said the same thing. Craig, looking forward how this-- this series can be improved? We should note that the PGAseason then have a chance to have his number drop down below. Alexandre Rocha said the same thing. Craig, looking forward how this-- this series can be improved? We should note that the PGA Tour has
Rocha: New qualifying process unfair
Following a third-round 78 that dropped Alexandre Rocha into 66th place at the Web.com Tour Championship, only 67 players made the cut, the Brazilian voiced his concern with the new PGA Tour qualifying process.
Maggert continues to live on bubble line
Chappell. (He began the week 122 nd .) It would take a significant – and historic – back-nine rally from Alexandre Rocha or Vaughn Taylor for Maggert to fall on the wrong side of the 125 bubble. Why does Maggert, now 48, continue to
Every shot matters on the PGA Tour
Englishman would have been inside the top 125 bubble entering this week's season finale. Poor bloke. No. 128 Alexandre Rocha ($605,117 in 20 events): His best chance to win this season came at the , which uses the Modified Stableford scoring
Wi leads Villegas, Gainey on Day 1 at Disney
the money list. He was paired with Billy Mayfair, who is at No. 125. Right behind them were Gary Christian and Alexandre Rocha , who are at No. 127 and No. 128 and right in the mix to keep their jobs. Pampling opened with a 70 and Mayfair
Featured pairings: CMN Hospitals Classic
secure conditional status on the Web.com Tour next year. 7:55 a.m. (Palm Course, #10): Gary Christian, Alexandre Rocha With No. 126 on the money list, Trevor Immelman, secure through 2013 based on his 2008 Masters victory, Christian
Comcast Business Edge: On the Bubble
Tripp Isenhour explains how Billy Mayfair and Alexandre Rocha have a good chance to earn 2013 PGA Tour cards this week in this edition of the Comcast Business Edge.
Love, Furyk chasing Atwal at McGladrey Classic
secure Tour cards for 2013. Among a large group in solid position at 4 under after 36 holes are Gary Christian, Alexandre Rocha and Bill Lunde, who began the week ranked 127th, 128th and 132nd, respectively, on the money list. Meanwhile
Expert Picks: McGladrey Classic
the year winds down. Group 4: Alexandre Rocha : He lost in a playoff in Reno ..... the Frys.com Open. Group 4: Alexandre Rocha : Missed a 10-footer for birdie ..... CordeValle on Sunday. Group 4: Alexandre Rocha : Flashed some swagger en route
First-round tee times for McGladrey Classic
Sung Kang 1:25 p.m. – Steve Wheatcroft, Garth Mulroy, Miguel Angel Carballo 1:35 p.m. – Bobby Gates, Alexandre Rocha , Jason Kokrak 1:45 p.m. – Billy Horschel, Charlie Beljan, Chase Wright Hole No. 10 12:05 p.m
First-round tee times for Frys.com Open
Matt McQuillan, Edward Loar 1:20 p.m. – Richard H. Lee, Billy Hurley III, Derek Ernst 1:30 p.m. – Alexandre Rocha , Kyle Thompson, Matt Hill Hole No. 10 11:50 a.m. – Nathan Green, Matt Jones, Mathew Goggin 12:00 p
First-round tee times for J.T. Shriners Hospitals Open
Boo Weekley, Daniel Summerhays, Scott Dunlap 8:16 a.m. – Bob Estes, , Sung Kang 8:25 a.m. – Alexandre Rocha , Jason Kokrak, Russell Knox 8:35 a.m. – J.J. Killeen, Edward Loar, Richard H. Lee Hole No. 1 11
Bradley reaches career high in world rankings
Keegan Bradley moved to a career-high 15th place in the latest Official World Golf Ranking, following his victory in the WGC-Bridgestone Invitational.
Modified Stableford returns at Reno-Tahoe Open
for his second PGA Tour title, beating Brazil's Alexandre Rocha by a point in the modified Stableford event. By | Aug 3, 2012 10:53 PM ET Alexandre Rocha says one of the reasons he has never won on the PGA
U.S. Open sectional qualifying: New Jersey
70 S 69 N F T5 Rich Berberian -3 70 S 69 N F T5 Marc Turnesa -3 68 N 71 S F T5 Joseph Horowitz -3 70 S 69 N F T9 Alexandre Rocha -2 73 N 67 S F T9 Luke List -2 73 N 67 S F Tags: Related Articles By | Jun 4, 2013 11:58 AM ET Qualifiers and
Alexandre Rocha - December 7, 2011
Alexandre Rocha - December 7, 2011 By Dec 7, 2011 8:54 AM ET Rocha finished T24 in Q-School to earn back his PGA TOUR card for the 2012 season


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Dean Gary Myers recently announced that he will step away as dean of the School of Law in August. Dean Myers, who has served as dean of the law school for four years following 23 years as
Dean Gary Myers
Dean Myers to Return to Faculty
June 1st, 2016
Textbook Co-Written by Dean Myers to be Published
December 3rd, 2015
A textbook co-written by Dean Gary Myers will be published this month. The fifth edition of Entertainment, Media, and the Law: Text, Cases, and Problems was co-written with Paul C. Weiler of Harvard University and William W.
Professor Mitchell Named Interim Associate Dean for Academic Affairs
November 19th, 2015
Professor S. David Mitchell was recently named as the law school's new interim associate dean for academic affairs, following the appointment of Professor Chuck Henson as the university's interim vice chancellor for inclusion, diversity and equity. "Professor
Five Surprising Facts about Law School and the Profession: Dean Myers Speaks to Rotary Club
November 17th, 2015
Dean Gary Myers recently spoke with the Jefferson City, Mo., Rotary Club about "Five Surprising Facts about Law School and the Legal Profession," debunking several myths about law school and the practice of law, including that there
Dean Myers and Coauthors Complete Entertainment, Media & the Law
September 1st, 2015
Dean Gary Myers and his coauthors have completed a manuscript for a new fifth edition of their casebook, Entertainment, Media & the Law. The book, which is published by West Publishing Co., is cowritten by Paul Weiler


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Welcome to Hawkes Racing
When Real Saga took out the 2008 Breeders Plate on the Epsom Day at Royal Randwick, it created a piece of racing history for Team Hawkes.
This was the first runner prepared by a training partnership to race in Sydney - and it took out a stakes race for trainers Michael, Wayne and John Hawkes. Team Hawkes was off to a flying start and hasn't looked back since. The training partnership of Hall of Famer John Hawkes and his sons, Michael and Wayne, also prepared the first Group One winner by a training partnership in Sydney racing when Fiumicino won the 2009 The BMW on Golden Slipper Day at Rosehill Gardens.
Michael, Wayne and John Hawkes share a passion and admiration for the thoroughbred and each is dedicated to making a success of Team Hawkes. John Hawkes is renowned as one of Australia's all-time great trainers but he regrets his sons did not get officially recognised for their contributions to his success until the training partnership was established.
"I'm glad the boys are with me now in a partnership and they can get some recognition for their hard work. The boys have been working with me for more than a decade and even though we don't have the numbers now, the system is still the same. Nothing has changed in that regard."
With Michael in charge of the main stable base at Rosehill Gardens and Wayne in charge of the team's Flemington stable base, John splits his time between the two stables. They attend all of the yearling sales.
In just a short time, Team Hawkes has already made its mark in Australian racing. They have won feature races with top class gallopers like Fiumicino, Real Saga, Mentality, O'Lonhro, Rainbow Styling, Dao Dao and Love Conquers All.
Here we go... Boom!Chautauqua comes from last on the turn to win the Group 1 T J Smith Stakes from Royal Randwick.
Stable News
Thumbs up for Mossfun despite defeat in barrier trialMossfun finished unplaced and undefeated Deep Field didn't trial — but there are no alarm bells at Team Hawkes
Deep Field spelling well ahead of autumn campaignMichael Hawkes reported emerging sprinter Deep Field is enjoying the fruits of spring in the spelling paddock
Recent Wins30 Jul 16 RHIL Interstellar(NZ)
19 Jul 16 CESS Viatrix (AUS)
07 Jul 16 HAWK Hollywood Mistress (AUS)
05 Jul 16 GEES Knighthood(AUS)
02 Jul 16 CAUL Longeron (AUS)
02 Jul 16 RHIL Tucanchoo (NZ) Listed
30 Jun 16 WYNG Ahri (AUS)
18 Jun 16 M V Firsthand (AUS)
18 Jun 16 M V Longeron (AUS)
18 Jun 16 RHIL Elemenohpee(AUS)
18 Jun 16 RHIL Himalaya Dream(FR)
11 Jun 16 RAND Tucanchoo (NZ)
11 Jun 16 FLEM Euro Angel(NZ)
08 Jun 16 CANT Elemenohpee(AUS)
08 Jun 16 CANT Santa Rocks (AUS)
Stable Runners
We haven't any upcoming stable runners to display at present but as soon as we do they will appear here, so please check back regularly.


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Ruth Mulford, the regional vice president for the Long Island/Metro region of the Association of Builders and Contractors, died Wednesday after a sudden illness.
Mulford, a proponent for merit shops in the construction industry, was 66.
Stephen Lefebvre, president of the Empire State Association of Builders and Contractors, said Mulford was instrumental in working with local governments to ensure fair and open competition in the construction industry.
"Ruth joined ABC in June 2000 and fought tirelessly for the merit shop and free enterprise in one of the most unionized areas of our state," Lefebvre said. "As a staff member and a personal friend, Ruth's energy and knowledge will be missed."
Born in New Orleans, Mulford's family moved to upstate New York when she was a young girl. She worked for Oswego County BOCES for 32 years before taking the job at ABC.
Mulford will be remembered at the group's state convention on Sept. 28 at the Turning Stone Resort & Casino in Verona, N.Y.
More breaking news
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- Beer, wine and food festival showcases local businesses
- State announces $3M for e-recycling
- Moody's tops Street 2Q forecasts
- Lashing out
- Canon, SCORE partner to help small biz
- Founder of vets' group admits to stealing $90,000
- Hit by Dowling closure, Make A Wish Suffolk cancels walk
- New York state tax collections come in under estimates


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Source: VVB Aviation
For £99, you can get a 30-minute helicopter tour from VVB Aviation and take in spectacular views from the skies of some of London's most well-known sights.
9am-5pm Sat-Sun until 30 Sep
Source: Laura Ashley The Manor Elstree
The AA awards the Cavendish Restaurant at Laura Ashley The Manor Elstree two Rosettes, saying you can expect "some well-considered country-house cooking". You and a friend can now sit down to a 2-course lunch here for £12.50 a head.
12:30-2pm Tue-Fri until 30 Sep
Source: Tudors Restaurant at the White Hart Hotel
For £29, you and a friend can get a fillet-steak meal and a glass of bubbly each at Tudors Restaurant at the White Hart Hotel, located opposite the famous cathedral in St Albans city centre.
12-2:30pm Mon-Sat, 6-9pm daily until 31 Oct
Source: Hatfield House
Steeped in royal history, the Grade I-listed Hatfield House was once home to Queen Elizabeth I and has featured in numerous Hollywood movies and television shows. You and a friend can now visit the house and grounds, which include 42 acres of gardens, for £19 -- that's 41% less than usual.
Wed-Sun until 30 Sep
Source: Mokoko Cocktail Bar & Grill
Mokoko Cocktail Bar & Grill won Best Bar in St Albans at the 2014-2015 St Albans and Harpenden Food and Drink Awards. For £20, you can now visit for a 2-hour cocktail-making masterclass, where you'll learn how to make a selection of classic cocktails yourself.
4-7:30pm Mon-Fri, 2-5:30pm Sat-Sun until 30 Sep
Please go to your email and confirm your subscription.


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PREVIEWS: "Daredevil," "Uncanny X-Men," & More Marvel Comics On Sale August 3, 2016
Comic Books
Film, Comic Books
Comic Books
The Buy Pile
The Buy Pile
The Buy Pile
Comics Should be Good
Robot 6
Comics Should be Good
Robot 6
Robot 6
Comics Should be Good
Jul 29, 14:19pm
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Jul 29, 12:34pm
Cupertino, CA
Since stepping down in 2009 from his longtime position as president and publisher of DC Comics, Paul Levitz has focused much of his attention on teaching and writing, with projects like World's Finest and Taschen's expansive 75 Years of DC Comics: The Art of Modern Mythmaking.
Currently he's putting the finishing touches on a book about his friend Will Eisner titled Will Eisner: The Dreamer and the Dream, while teaching college courses. In addition, he recently joined BOOM! Studios' board of directors.
For a man who made his name writing adventures of the future in Legion of Super-Heroes, you had to know Levitz had plans for his own future, right? I caught up with Levitz earlier this year, at a particularly busy time, to learn more about his activities since leaving DC's executive suite. We spoke before the BOOM! announcement was made, but we had more than enough to talk about in our interview.
Home | News | Columns | Reviews | Video | Blogs | Forums | Find A Comic Shop
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I stayed here with a group of 20people for two nights (through Djoser travel agency). Not all staff spoke English (mainly the reception) but they were all very friendly and smiley. It's always nice to come back to the hotel after a long day and feel welcome. This hotel is located near a busy market street, which is really nice if you want to go shopping or buy souvenirs. There are nice restaurants, atm's, metro and even Mc Donalds, all very close. It's less appealing at night, as many people sleep on the streets, so it might be frightening for female solo travelers to walk there late at night. I stayed on the first floor and had no problems whatsoever, however my fellow travellers who stayed on the 3rd floor had some issues with water and air-conditioning (staff fixed it the next day). There is also free wifi (lobby & 1st floor). The only downside is the rooftop terrace (not much atmosphere and only water or beer available). With regards to safety and breakfast, very hostel-like, but overall a very nice hotel for Indian standards.
- Official Description (provided by the hotel):
- The Treebo Rockwell Plaza is superbly located in Karol Bagh, smack in the heart of Delhi's popular shopping district. Well-connected to both the airport and railway station, it's within easy reach of Connaught Place and all its attractions, besides Birla Mandir. The nearby Karol Bagh Metro Station makes commuting from this hotel quick and hassle-free. Ideal for business travelers, foreign tourists and families visiting the Capital, the hotel is a quiet haven to retire to. Friendly staff ensure a warm welcome for guests and are always ready to assist them with any special requests. While there are eating out options aplenty in this area, if you wish to dine-in after a long day you can eat at the in-house restaurant with its multi-cuisine menu choices. Treebo Rockwell Plaza has a front desk that functions 24/7 and daily housekeeping. All rooms have ensuite bathrooms. The hotel offers guests complete flexibility and doesn't impose a minimum number of nights or have cancellation charges - which adds to the convenience of staying at this fantastic address. ... more less
- Reservation Options:
- TripAdvisor is proud to partner with HotelTravel.com, Hotwire, Booking.com, ETB, Agoda, Hotels.com, Travelocity and Priceline so you can book your Treebo Rockwell Plaza reservations with confidence. We help millions of travelers each month to find the perfect hotel for both vacation and business trips, always with the best discounts and special offers.


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I Giardini di Cala Ginepro Hotel Resort, Costa Smeralda - Olbia - Eastern Sardinia
- Free parking
Main amenities
- 183 guestrooms
- Restaurant and bar/lounge
- Outdoor pool
- WiFi in the lobby
- 24-hour front desk
- Air conditioning
- Garden
- Car rentals on site
- Library
- Self-serve laundry
- Multilingual staff
- Concierge services
What's around
- In Cala Liberotto
- Juniper Cove (0.3 mi / 0.5 km)
- Ginepro Beach (0.6 mi / 0.9 km)
- Parco Naturale di Bidderosa (1.4 mi / 2.3 km)
- Bidderosa Oasis (4.2 mi / 6.8 km)
- Museo Comunale (8.7 mi / 14 km)
For families
- Children's pool
- Rollaway/extra beds available
- Refrigerator
- Television
- Garden
- Laundry facilities
I Giardini di Cala Ginepro Hotel Resort, Costa Smeralda - Olbia - Eastern Sardinia
Hotel Info: 866-539-8117from $164
- Superior Double Room
- Classic Double Room
- Family Room
- Comfort Double or Twin Room
Also popular with travelers from the USA
At a glance
Key facts
Hotel size
- This hotel has 183 rooms
- This hotel is arranged over 2 floors
- Check-in time starts at 3:30 PM
- Check-out time is 10 AM
Required at check in
- Credit card or cash deposit required
- Government-issued photo ID required
Travelling with others
- Pets allowed (dogs only)
- 1 per room (up to 5 kg)
Extra people
- Roll-away beds available, charges may apply*
- WiFi in public areas *
- Free self parking (limited)
Nearby Four Star Costa Smeralda - Olbia - Eastern Sardinia hotels
In the hotel
- Restaurant
- Bar/lounge
- Poolside bar
- Room service (during limited hours)
- Outdoor pool
- Children's pool
- Bicycle rentals nearby
- Mountain biking nearby
- 24-hour front desk
- Concierge services
- Laundry facilities
- Luggage storage
- Multilingual staff
- Porter/bellhop
- Number of buildings/towers - 1
- Year Built 1991
- Elevator/lift
- Garden
- Library
In the room
- In-room climate control (air conditioning)
- Air conditioning
- Hair dryer
- Desk
- Refrigerator
- In-room safe
Top Costa Smeralda - Olbia - Eastern Sardinia hotels
Recently reviewed hotels in Costa Smeralda - Olbia - Eastern Sardinia
- La PalmaFrom
"My wife and I stayed here for a few days at the beginning of our recent Sardinian vacation. The staff here are friendly and try hard to please their clients/guests. Excellent…"Jun 13, 2016
- Hotel BrancamariaFrom
"Staff was fantastic!! Very helpful with what to see and do."Apr 1, 2016
- Hotel PopFrom
"Would stay here again Beautiful city ,nice staff,"Oct 22, 2015
- Hotel Su LithuFrom
"Beautiful hotel nice service The town is not a hotbed of activity but what do you expect in a small mountain town. Views from the terrace of our room were post cards."Oct 21, 2015
I Giardini di Cala Ginepro Hotel Resort, Costa Smeralda - Olbia - Eastern Sardinia's small print
Also known as
- I Giardini di Cala Ginepro
- I Giardini di Cala Ginepro Hotel Resort
- I Giardini di Cala Ginepro Hotel Resort Orosei
- I Giardini di Cala Ginepro Orosei
- I Giardini Di Cala Ginepro Hotel Resort Orosei, Sardinia
Cash transactions at this property cannot exceed EUR 2999.99, due to national regulations. For further details, please contact the property using information in the booking confirmation.
Mandatory fees
You'll be asked to pay the following charges at check in or check out:
- Club Card: EUR 6 per person, per night
Optional extras
WiFi is available in public areas for an extra charge
We have included all charges provided to us by this hotel. However, charges can vary, for example, based on length of stay or the room you book.
Is the description of this hotel not correct? Tell us


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- Source cassettes from the collection of Mark McCue. Thanks Mark!
- Tony Suraci's Nakamichi CM301's(split ~10 ft.)>Sony D5M (shnid=79026) used to patch:
d2t07 Eyes Of The World (9:01-9:17), d2t08 Drums (0:00-7:28) and d3t07 Keep Your Day Job (0:00-0:14)
- All editing and mastering with UAD-1 in 24/88.2
- SBE Free. Meta tagging with Tag&Rename.


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Fitness & Yoga
Your health matters. That's why we offer so many fitness options at NMC. Click on a class below to see more details. Have questions? Call (231) 995-1700.
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This book gives you an insider's look at how property insurance companies work with contractors to repair and restore damaged buildings, how adjusters cost cut damages, anbalyze coverages and handle quotations and bids, plus how work is awarded, supervised, and paid for. Learn how to market your company to the right insurance people, write estimates that conform to insurance companies' requirements, build relationships with adjusters, and more.
"synopsis" may belong to another edition of this title.
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Book Description Robert S Means Co, 2001. Paperback. Book Condition: Used: Like New. Bookseller Inventory # SONG0876293526
More Information About This Seller | Ask Bookseller a Question
Book Description Robert S Means Co. Paperback. Book Condition: Very Good. This book shows minor wear and is in very good condition. Bookseller Inventory # G0876293526I4N00
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What are the factors that govern over the path that shrapnel and/or other particles follow upon explosion of explosives(the ones that are planted i.e. stationary ones) etc. Is it possible to predict the path of all the particles ? Also is it possible to make the particles move in desired directions ?
To predict the path of shrapnels one needs to perfectly know how the bomb is built i.e. how it will defragment. So it's theoretically possible but only if we're given the initial conditions.
As Sagnik pointed out what you know is that the total momentum will be conserved. So for a "stationary" bomb the total momentum will be 0, for fireworks the global motion of the shrapnels will be parabolic (if we neglect air resistance).
I think only one factor governs the path of shrapnels : Conservation of Momentum.
Even when the explosive is planted, the principle of conservation acts, for the total sum of displacement of shrapnels would then equal Zero. Thats why for a stationary explosive, shrapnels scatter in all directions.
It is not "impossible" to predict the path of all particles theoretically. Practically, unless we have a special explosive that defragments along certain parts I dont think its possible to keep account of so many shrapnels, for example : a real life grenade.
The path is governed by tragectory, initial velocity, collisions, air resistance, gravity and deflection from the ground.
The trajectory is decided by initial position.


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Median Hourly Rate by Years Experience
5416 East Baseline Ste. 200
Mesa, AZ 85206
Everest College-Mesa
Private School, For Profit
64 %
79 %
Everest College is a system of for-profit colleges in the United States and the Canadian province of Ontario. The schools are owned and operated by Corinthian Colleges, Inc. which also owns Everest University, Everest Institute, Heald College, and WyoTech. They offer education programs in fields such as accounting, business administration,…
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Pick your cover athlete for "NCAA Football 12"
Following in the footsteps of a wildly successful fan vote that decided the "Madden NFL 11" cover (Drew Brees won in a landslide), fans will now get to decide the cover athlete for EA Sports' upcoming "NCAA Football 12."
Beginning today and running through April 4, gamers can log on to facebook.com/easportsncaafootball to cast their votes for one of four players: Nick Fairley, Jake Locker, Mark Ingram, or DeMarco Murray. Each player will participate in viral video campaigns to state their cases for the cover, while EA Sports will also be distributing posters, banners, and even lawn signs to help spread the message of each candidate grassroots style.
Fans can vote once per day for their favorite player, with EA Sports announcing the winner on April 19.
And just in case you need some brushing up on each candidate's qualifications, EA Sports provided the following bios to help encourage voters to make the most informed decision.


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22-22780 - 12 Piece Pro Brush Set
12-piece contractor's grade paintbrush set, with long pure bristles, stainless steel ferrules and comfortable wooden handles.
Mfr Name: Distributed By MCM
Mfr Number: PBSDD
22-22755 - Economy Paint Brush - 1"
Economically priced paint brush that is ideal for use with all paints and varnishes.
Mfr Number: 11110
22-22745 - Artist Paint Brush Set - 12pc
Pack of various sizes of artists paint brushes. Great for detailed painted, cleaning, and other handy uses
Mfr Name: Duratool
Mfr Number: D00277
22-22770 - Economy Paint Brush - 3"
Mfr Number: 11130
22-22760 - Economy Paint Brush - 1.5"
Mfr Number: 11114
22-22750 - Economy Paint Brush - 0.5"
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22-22765 - Economy Paint Brush - 2"
Mfr Number: 11120
22-22775 - Economy Paint Brush - 4"
Mfr Number: 11140
22-22800 - Smooth-Out Tool
The Smooth-Out tool is a unique tool that is ideal for smoothing out all sealant after application.
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22-22805 - Strip-Out Tool
The Strip-Out Tool is a unique patented tool which works on any type of sealant.
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22-19795 - Three Piece Synthetic Paint Brush Set
Professional quality brushes with DuPont synthetic filaments, suitable for all types of paint and most stains. Filaments taper to provide good flow, brush lines and cutting-in control.
Mfr Number: 90393
22-22785 - 9" Roller Set with Extra Sleeve
Paint roller set that even includes an extra sleeve. The included Medium pile sleeves are for emulsion on smooth or uneven sufaces
Mfr Number: 4210
22-22795 - Sealant Gun Professional C4
Professional skeleton type sealant gun that is compatible with most manufacturer's sealant dispensers
Mfr Number: SG400
22-19805 - 12 Piece Paint Brush Set
Contractor grade paint brush set with long pure bristles for use with paint, stains and varnish.
Mfr Number: 89200
22-22790 - Sealant Gun Professional C3
Mfr Number: SG310
Excellent! Great prices, well packed, shipped fast.


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Monday - Friday
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The MPO publishes a variety of reports in transportation planning for roadway needs, bicycling, public transit, and other modes of transportation. Link to publications order form.
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Great software.
Would it be possible for someone to invest a few minutes in adding a date column to the archives page?
I have to say the without a quick visual date time stamp the reference value for this is a bit lost. Versioning documenting is very help to those of use who play developer on TV.
super thanks in advance


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Wedding Favors
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Bridal Shower Gifts
Invitations & Stationery
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REVIEW SNAPSHOT®by PowerReviews
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Great Accent piece
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Comments about Beau-coup 2 Piece Square Favor Boxes:
These were used for wedding favors ... I added ribbon and a charm and they brought a touch of class to each place setting.
Bottom Line Yes, I would recommend this to a friend
(1 of 1 customers found this review helpful)
great favor boxes!!
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Great quality and the color is just how i wanted it. Also easy to assemble.
Bottom Line Yes, I would recommend this to a friend
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Wonderful product perfect for my needs
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A qualty piece, easy to assemble makes an impressive statement at a friendly price.
Bottom Line Yes, I would recommend this to a friend
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I used this as a favor box-- the order came very quickly and was easy to assemble and didn't look cheap at all. I really enjoyed the smooth process. :)
Bottom Line Yes, I would recommend this to a friend
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Ordered them for my daughter's wedding. We were a little nervous on quality - but they are great! Easy to assemble (after we figured it out-lol). Great value for what you get. Highly recommend!
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These elegant favor boxes are perfect for just about anything. Fill each with traditional Jordan almonds, other colorful candies or a small but meaningful trinket. Choose from several colors and patterns and even mix and match tops and bottoms to create your own combinations (see images to the left). Please note that each box comes with matching top and bottom and that you will have to purchase a separate set of a second color in order to mix and match.
We import these original favor boxes from Italy so you are sure to have the highest in quality. Each favor box measures 2"L x 2"W x 2"H and comes with a separate lid. Sold in sets of ten, assembly required.
Pair these lovely boxes with beautiful organdy ribbons, custom labels or personalized ribbons. For a different look, try clear favor boxes or our larger 4-inch favor boxes. The white and ivory floral favor boxes are also available in our rectangular favor boxes.
Boxes arrive flat and some assembly is required.
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Wedding Cake Favor Boxes
Our high quality, ivory colored cake boxes are imported from Italy. An embossed honey comb design adds texture and style. Each is wedge-shaped like a slice of cake. Measures 3"L, 2"H and 0.75" to 1.75" from one end to ... View Product
Clear Favor Boxes
Show off your favors in these stylish clear favor boxes. Perfectly sized at 2"x 2"x 2", this plastic box is ideal for showcasing personalized candy or trinkets A unique and fun packaging idea for wedding favors or baby shower ... View Product
Personalized Flower Topped Favor Box
Romance is always in bloom with these personalized flower topped favor boxes. Package pretty keepsakes or delectable delights in each and give as wedding favors, bridal shower favors or sophisticated sweet 16 favors. View Product
Mini Acrylic Favor Box
Contemporary clear acrylic boxes are a chic choice for showcasing wedding favors. Best of all, they're perfect for all occasions, including baby showers, weddings, bridal showers and birthday parties. Fill with candies or a trinket and show them off! ... View Product
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Bob Paddon, executive VP, strategic planning and public affairs, TransLink (Vancouver), was elected chair of the Canadian Urban Transit Association.
Paddon came to TransLink in 2001 from Metro Vancouver, bringing expertise in local government, communications, media relations and business administration. He was also part of the Metro Vancouver team that created TransLink.
Changes were also announced to the Executive Committee and included the election of Stéphane Forget, Société de transport de Montréal as first vice chair; Laurent Chevrot, Société de transport de Sherbrooke, vice chair, communications & public affairs; Chris Akiyama, Seon Design Inc., vice chair, business members; and Daniel Bergeron, Agence métropolitaine de transport, vice chair, government agencies. John King, City of Lethbridge, becomes immediate past chair.
Of the 20 people injured, none were considered serious and 13 were transported by New York City EMS to hospitals.
Riders using a desktop computer, smart phone device or traditional telephone can schedule their pick-up and desired drop-off locations: reducing their wait time, arriving at their destination faster, and increasing the overall rider experience.
The advanced Driver Assist System, utilizing a licensed GPS technology developed by the University of Minnesota, provides feedback to the driver regarding lane position – via graphic driver alert displays, virtual mirror, vibrating seat and actuated steering.
In an overall business review, it was determined this division no longer fit in ABC's overall growth strategy. The company will continue to provide parts and warranty support for Ameritrans products.
Planners estimate the new, 11-mile Tysons Corner to Alexandria bus system would attract about 8,600 new transit riders per day.
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Friend Or Foe? Open-Carry Law Poses Challenge To PoliceGun-rights activists, some of them openly toting rifles and handguns, marched alongside the hundreds of people who flocked to downtown Dallas last week to protest police shootings of blacks.
Texas Private Colleges Are Saying No To Guns On CampusMore than 20 private schools have said they won't lift their gun bans when the law takes effect this August, including the state's largest private universities that have religious affiliations and often align with the type of conservative values espoused by the politicians behind the law.
Farmers Branch Police To Host Public Meeting On Open CarryAn open, informational meeting on the subject is set for Tuesday, January 12 at 6:30 p.m. at The Branch Church, 3035 Valley View Lane.
Restaurant Owners Divided, Up In Arms About Open-CarrySince the new year ushered in a new open-carry law in Texas, restaurant owners have had a decision to make. Allow visible, holstered guns or not?
Open Carry Advocates Still DemonstratingOpen Carry Tarrant County returned to the corner where their movement to legalize uncovered, holstered pistol gained notoriety. Their presence still drew emotional reactions.
'Open Carry' Goes Into Effect Across TexasThe new year means new gun laws across Texas. Open Carry is now in effect, meaning that all licensed gun owners throughout the state can begin carrying their weapons in plain sight.
Open Carry Starts New Year's DayTexas' open carry law goes into effect on January 1st. It will allow license holders to carry their weapons in a belt or shoulder holster, in plain view.
Texas Grocery Giant H-E-B Posts Signs Banning Open Carry Texas supermarket chain H-E-B will not allow customers to openly carry guns in its stores even when the new state law legalizing open carry goes into effect in January.
City Of Dallas Prepares For New Open Carry LawThe City of Dallas says it has trained 311 and 911 call takers on the new laws and regulations to ensure they are able to answer concerned citizen's questions.
Keene ISD Considers Arming TeachersA North Texas school district will take a look at allowing some teachers and staff to carry guns on campus.
University Of Texas Could Allow Concealed Handguns In ClassConcealed handguns would be mostly barred from University of Texas dormitories but not from classrooms under recommendations presented to the school president.
Katy Trail Open Carry Rally Comes On Heels Of Robberies ArrestsTwo men accused of robbing joggers on a popular Dallas running trail remain behind bars as open carry activists plan a weekend rally/walk along the Katy Trail.


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- Song of the Goat's
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Enamorarse de un incendio
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Piya Behrupiya
(Twelfth Night)
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Civil Strife
Henry VI Parts 2 and 3, Richard III
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The Complete Deaths
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The charitable IRA rollover, or qualified charitable distribution (QCD), is a special provision allowing certain donors to exclude from taxable income -- and count toward their required minimum distribution -- certain transfers of Individual Retirement Account (IRA) assets that are made directly to public charities, including Chicago Shakespeare Theater. The provision was first enacted for tax years 2006 and 2007, and has been extended periodically, most recently in January 2013, when it was made available for 2012 and for 2013.
Donors age 70 1/2 or older have used this popular option to support the theater with tax-wise gifts ranging from $100 to $100,000. A gift that qualifies, technically termed a "qualified charitable distribution," must be: made by a donor age 70 1/2 or older; transferred from a traditional or Roth IRA directly to a permissible public charity, such CST; and completed in calendar year 2013 for the 2013 tax year.
Checks can be made out to Chicago Shakespeare Theater and mailed directly to:
Advancement Department
Chicago Shakespeare Theater
800 East Grand Avenue
Chicago, IL 60611
If you have any questions, please contact the Advancement Office at 312.667.4952 or email@example.com


text:
Since November of last year, when the church announced a policy that mandates church discipline (the process that leads to excommunication) for LGBT individuals in same-sex marriages and bars their children from baptism, church leadership has engaged in a consistent drumbeat of bigoted messages aimed at the LGBT community.
I have a pretty enthusiastic American Literature professor here at the University of Southern California. Actually, enthusiastic might not be the right word for it; I think the words "intellectual agitator" best describe his personality. He's one of those guys that want you to question everything that you know and believe, but in a good way.
In the Mormon view, children are not cursed by any "original sin" and children are not responsible for the sins of their parents -- until now. Despite of the Church's inept attempts to justify this policy, many Mormons and non-Mormons, are seeing it as punishing the children for the "sins" of their LGBT parents.
Just seven years after Prop 8, it's "déjà vu all over again." This time it feels self-mutilating. Instead of campaigning to impose unconstitutional public policies on the rest of the world -- a battle that we lost when the U.S. Supreme court upheld appellate court rulings supporting same sex marriage -- we seem to be cutting off our proverbial nose to spite our face.


text:
Donating to the Science Park
The significant progress in cancer cause and prevention that has been made at Science Park in recent years is a direct result of the involvement of concerned individuals. Donated funds help our scientists to continue their search to discover the many causes of cancer, its complicated development, and its prevention.
Memorials and Honorariums
You may designate your gift to Science Park in memory or in honor of a special person. Please complete the Mail-In Donation Form and mail it with your gift to the address below. Checks or money orders should be made payable to MD Anderson Cancer Center. Unless you indicate otherwise, your gift will be designated for research at Science Park.
General Donations
Undesignated donations made to Science Park are used to support our four essential mission areas — research, prevention, education and capital improvements. Priorities are set by the Director.
Designated Donations
Donors may choose to designate their giving to support research in a particular area, a specific program, or for a fundraising event. If you have any questions please do not hesitate to contact Terri Krueger by email at firstname.lastname@example.com or by phone at (512) 237-9405.
Brick Pavers
You can honor your commitment to cancer research or remember a loved one with a custom engraved brick to be placed in the Science Park Donor Terrace in front of our newest laboratory building. When you buy a clay brick paver, your donation will go directly to the Science Park cancer research fund. Each brick costs only $75 and provides a lasting tribute. Individuals or groups may order as many 4"x 8" bricks as desired with up to 15 characters per line for 3 lines. The Science Park will determine the best location of the bricks in the terrace and reserves the right to edit text if necessary.
To order, just fill out the Brick Paver Order Form and mail with your payment as indicated.
Checks or money orders made payable to MD Anderson Cancer Center may be mailed to:
Science Park
Attn: Terri Krueger
P.O. Box 389
Smithville, TX 78957
Related Programs and Centers
- Tang Lab links normal stem cells to aggressive prostate cancer
- Two faculty honored at President's Recognition Event
- Sharon Dent, Ph.D. interviewed in JCB
- Francesca Cole, Ph.D. receives NIH Director's New Innovator Award
- ATP-dependent chromatin remodeling complexes regulate non-chromatin targets
- Role of SAGA complex in embryonic stem cells and in reprogramming fibroblasts to a stem cell state


text:
My guard has dropped, after all these years,
brought to my knees, eye's welling with tears.
I now know love, a feeling I never felt,
after all this time, of misery I've been dealt.
When all hope was gone, my burnt soul felt so far,
an angel held my hand, called me as a shining star.
This angel held me close, looked into my eye's, and said shhhhh,
no more suffering, no more cries.
My guard has dropped….


text:
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Pocono Articles
Showing 31-45 of 136 Resorts and Lodges
The Shawnee Inn and Golf Resort
One of the first resorts to use concrete in its construction, the Shawnee Inn opened in 1911 and retains the historic charm that brought celebrities like Lucille Ball to its grounds. Each guest room has a unique configuration and may differ in size, but all offer air conditioned comfort near great activities. The Shawnee Inn and Golf Resort has... more
Experience the ultimate luxury getaway in the Pocono Mountains at Cove Haven Resort! Here you'll enjoy an all-inclusive getaway featuring suite accommodations, nightly live entertainment and unlimited breakfast and dinner! Onsite, you'll also enjoy great activities like golfing, tennis and a full service spa. Add a little relaxation to your... more
Head to Pine Hill Lodge for a one-of-a-kind Pocono Mountains getaway in a three-story country inn. This housekeeping facility was built in 1875, and still serves as a unique accommodation option for outdoor enthusiasts traveling to the Mount Pocono area. Choose from one of 11 guest rooms each uniquely furnished with comfortable bedding and access... more
Wyndham Vacation Resorts Shawnee Village
Less than 100 miles from Philadelphia, PA, Newark NJ, and New York City, Wyndham Vacation Resorts Shawnee Village is nestled in the heart of the Pocono Mountains in Shawnee on Delaware, making for the perfect getaway without the need to fly away. From skiing and snowboarding in the winter to swimming and fishing in the summer to hiking and boating... more
Sullivan Trail Motel is a quaint, family-friendly option for tourists headed to the Mount Pocono area. Well-maintained rooms, efficiencies and cottages dot an outdoor landscape that includes an outdoor pool and mini golf located next door. All rooms have refrigerators, microwaves, color television and coffee makers giving you the most affordable... more
Deerfield Spa
For over thirty years, Deerfield Spa has welcomed many guests and established itself as one of the best and most affordable destination spas in the industry. Located in the heart of the Pocono Mountains, Deerfield Spa is only minutes from the Appalachian Trail and the Delaware Water Gap Recreation Area, offering you easy access to all local... more
Located at the base of Montage Mountain Ski Resort, TownePlace Suites by Marriott is your best choice for extended stays in Northeastern Pennsylvania. TownePlace Suites by Marriott offers you separate places to work and sleep. These comfortable furnished units feature a full kitchen, a spacious living area and a flat-screen television. You're... more
The Chateau Resort at Camelback is a AAA 3 Diamond destination tucked away in Eastern Pennsylvania in the Pocono Mountains. There's plenty for the family to do as the resort offers indoor & outdoor pools, fitness center and 18-hole championship golf nearby. For dinner, the resort boasts one of the area's finest restaurants in Mountainview... more
Welcome to the Hilton Garden Inn Wilkes Barre hotel. Enjoy the convenient location off Pennsylvania Interstate I-81 at Exit 168 in the Township Marketplace, next to the Mohegan Sun Arena, and just minutes away from Mohegan Sun Casino. Here you'll find comfortable accommodations that feature a refrigerator, microwave and coffee maker! You'll also... more
Shadowbrook Inn & Resort
Friendly and brimming with fun, Shadowbrook Inn & Resort makes the most of PA's Endless Mountains. Among this casual, relaxed art community in Pennsylvania's Pocono Mountains, Shadowbrook provides a fantastic family, golf or group vacation. Here, a championship 18-hole golf course, mini golf, a bowling alley and a skeet shooting range combine... more
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The cramping diarrhea one gets after eating at a buffet-style restaurant, such as Ponderosa.
The food at that graduation party gave me the pondo poops I'll never forget!
ayon kay Camille Rat ika-19 ng Marso, 2007
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Join Date: Oct 2006
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But for those posting about why its too risky to have an early c-section need to look into previa and what not before posting. Because its FAR more risky to both you and baby to wait beyond 37 weeks. Also... I'm sure you know.. but no manual cervical checks are allowed with a previa. For the same reason... can cause a bleed.
Why do they want to cut at 37 weeks?! That's incredibly early, and risky to the baby. If I were in your situation, I would refuse a cesarean until I went into labor naturally, or at least wait until 40 weeks. I understand there could be bleeding once you start dilating, but unless you live hours from the hospital, they can get the baby out very quickly once labor or early labor signs begin.
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Watch Melissa McCarthy, Jodie Foster, Adam Sandler Ruin Their Han Solo Auditions on 'CONAN'
- 01:49 PM, Jul 25
JW (Joel Kinnaman), the promising business student who became an organized coke smuggler in "Easy Money", is serving hard time in prison and is struggling to get back on an honest path. There are glimmers of hope in his life: some venture capitalists are interested in a new piece of trading software he's developed, and while behind bars he's made peace with an old enemy. This all proves to be an illusion. On leave from prison, and back in contact with his former gang, JW learns that once you've walked in the shoes of a criminal there just may be no going back.


text:
|Sent on:
|Wednesday, August 7, 2013 11:16 AM
To whom it may concern:
Anyone interested in the Mini 3-day event running between 17th and 21st September for Table Tennis, Badminton & Squash will need to rsvp by 11th August latest. This is because the leisure centre cannot hold advance court reservations for more than one month. After the 11th I will be sending off the booking form and closing rsvp's.
Thank you,
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Author has written 95 stories for Ace Lightning, Dragon Booster, Baldur's Gate, Slipper and the Rose: The Story of Cinderella, Anne of Green Gables series, Order of the Stick, Harry Potter, Gone with the Wind, Twilight, Kaleido Star, Murder Princess/マーダープリンセス, and Misc. Books.
Avid reader of nearly everything, partly named after a character in Simon R. Green's Deathstalker books.
If you're looking at my profile because of a review or for any other reason, feel free to email me if you'd like to discuss anything; I love getting fannish messages. I also love to receive honest (or, indeed, any) reviews.
My Archiveofourown account is Blueinkedfrost, where I've placed fic that stretches this site's rating guidelines. I have a Tumblr at blueinkedfrost and a Livejournal at blueinkedpalm.
I'm intermittently on the Ace Lightning messageboard (s10.invisionfree.com/Ace_Lightning). My old fics for that fandom will remain up. I like to claim I've improved since then, but I don't like it when information is removed, especially if there's so little available. Please also note that site changes may also have altered old stories, though I still appreciate concrit notifications.
If you're looking for a beta reader in a fandom we share, feel free to email me - I love grammar, and discussion about characterisation and plot.
Note: Some of FF.Net's changes that have affected the readability of my stories include the removal of double dashes (--) as scene breaks. I can only apologise for any reading difficulties.
|Zoar's Choice
|TV Shows Ace Lightning


text:
No Lives Matter to Violent Extremists
The United States is having a discussion about law enforcement and violence. No one rejects the sentiment that all lives matter, except for one group: homegrown violent extremists. To them, no lives matter, and in the United States, homegrown attacks against law enforcement are occurring at an increasing rate.


text:
First the book, now the movie. Here are three reasons we should all avoid this sick film. read more
Charisma Magazine
Page 8 of 256
When Christians Turn Mean and Hateful
The church is sadly not always a place of kindness and grace. Here are five steps toward a revival of genuine love. read more
Today's Youth Want More of the Spirit
Young people today are hungry for God. They want more of the Holy Spirit than many churches are willing to offer. read more
Do You Want to Hear God's Voice in 2015?
Divine guidance is not complicated. Here are four ways God wants to speak to you. read more
Pause to Say Goodbye: Christians Who Died in 2014
Some well-known Christians died this year—along with many nameless believers who were martyred. read more
Stop Whining About the 'War' on Christmas
What we call "persecution" in the United States is nothing compared to what Christians suffer in other countries. read more
Rediscovering Jesus in the Christmas Madness
In a day when Frozen tree ornaments outsell nativity scenes, let's refocus on Jesus. read more
The Unexpected Blessing of Reverse Mentoring
Discipleship is not a one-way arrangement. I benefit in amazing ways from the time I spend with younger Christians. read more
8 Signs of a Legalistic Spirit—and How to Break Free
If you see any of these warning signs in your life, invite the Holy Spirit to help you rediscover God's grace. read more
15 Blessings You Should Never Take for Granted
Thanksgiving calibrates our hearts so that we stop complaining. Please make gratitude a lifestyle! read more
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5 Things You Should Never Listen To
I have learned over the years that there are certain conversations I must shut out.
10 Important Prophetic Ministry Protocols
We have prophetic ministry guidelines because there is a biblical precedent for them. Here are 10 ...
Free Ebook: The Ultimate Guide to Reaching Millennials
Position your church to reach millennials by discovering what makes them tick
Prophetic Warning: Confederacy of Dark Forces Planning Olympic Terror Attack
The Lord also showed me He is calling undercover intercessors to press into new realms of prayer to ...
5 Truths to Understand When Leading Leaders
If you are in leadership for any length of time, there will probably come a time where you will need to lead other leaders.
7 Reasons Your Organization Suffers from Marketing Malpractice
Receive Dr. Steve Greene's 7 Reasons Your Organization Suffers from Marketing Malpractice, plus 3 Things to Do Now to Prevent Further Damage as your FREE download.
3 Subtle Distinctions Between Demons and Fallen Angels
Author David Diga Hernandez challenges a widely held traditional view.
Prophetic Wisdom: A Strategy to Dispossess Jezebel in Your City
The time is now.
5 Ways to Cultivate a Discerning Spirit
Even people who walk closely with God and hear His voice accurately can—and ...
2 Ways the Enemy Builds Strongholds in Your Life
There is a spiritual form of a horrible disease that is being lived out way too often in the life ...
Why You Need to Pray in Tongues Now More Than Ever
The answer is found in Isaiah 60.
4 Clear Signs Your New Friend Is a Divine Connection
Things that may have ordinarily taken you 15 years to accomplish take five years because of the ...
How You Can Crush the Spirit of Pride in Your Own Life
Leviathan can be a Holy Spirit blocker for you. You can defeat it with the right weapon.
Free Ebook: The Ultimate Guide to Reaching Millennials
Position your church to reach millennials by discovering what makes them tick
5 Truths to Understand When Leading Leaders
If you are in leadership for any length of time, there will probably come a time where you will need to lead other leaders.
The Key for You to Maintain Dominion Over Demons
You can have authority everywhere you go, but there is a condition.
Take Authority Over These 5 Destructive Trends Plaguing Your Marriage
Your marriage is worth the effort.
5 Ways to Devil-Proof Your Marriage
The enemy tries to cause division in 3 areas of your marriage, but you can slam the door in his ...
How You Can Guard Your Heart From the Spirit of Perversion
Where you are in life is based on how you keep your heart.
Can You Be Rejected by God?
Hosea 4:6 clearly holds the answer to that question.
How God Defines Success in Your Walk With Him
In His eyes, this is much more important.
10 Things I Wish I Had Known When I Was 30
I often tell the guys I mentor: "I wish I had known this when I was your age."
God's Power at Work in the Church Today
Charisma's founder, Steve Strang writes about today's hottest topics affecting the Christian faith.
What Is the Best Christian Weight Loss Approach?
If weight is an issue for you, ask God to show you wisdom in how to handle it. That plan ...
Lisa Bevere: When You Don't Make the Cut
The following account is a sadly true and embarrassingly ridiculous story about me.